• Takaful Mulia

Takaful Mulia is a regular contribution surplus sharing universal takaful plan that helps you achieve financial security for yourself and your loved ones.  More importantly, it is designed to achieve complete religious peace of mind throughout your life as well as afterlife.



Death/Total and Permanent Disability (TPD)¹ Benefit

100% of sum covered and value of the universal account (UA) after deducting 2.5% of UA value as zakat payout (if applicable), less any indebtedness is payable upon death/TPD of the person covered.

Double Indemnity for Accidental Death/Total and Permanent Disability (TPD)¹ Benefit

An additional 100% of sum covered is payable if accidental death/TPD of the person covered occurs at the registered Mosque/Surau for the purpose of performing solat or while performing Hajj/Umrah.

Waqf Benefit

·  Waqf benefit – during the lifetime of the person covered

3% of the contribution is payable to Yayasan Waqaf Malaysia (YWM)² as a form of waqf on behalf of the person covered during the lifetime of the person covered. This contribution collected will not be refunded to you under any circumstances.


· Waqf benefit – upon death/TPD of the person covered

An additional 10% of the sum covered will be payable on top of the death/TPD benefit to YWM and/or Perbadanan Wakaf Selangor² as waqf payout on behalf of the person covered.

Zakat Benefit

· 2.5% of the UA value is payable to the zakat body³ on behalf of the person covered, if the value of UA is greater than or equal to Nisab4.


·  This benefit is only applicable in the event of the death/TPD of the person covered, surrender of this contract or when the final benefit is paid.

Fidyah5/Sadaqah Benefit

·  In the event of death of the person covered, a lump sum of RM1,000 will be payable to the zakat body as fidyah on behalf of the person covered.


·  The claimant is required to provide an estimated number of days that the person covered was unable to fast for any day or any period of time during the fasting month.


·  The actual amount due will be paid as fidyah payout from this benefit based on the declaration and the remaining amount of this benefit (if any) will be paid as general donation (sadaqah) to the zakat body.

Hajj/Umrah Benefit6

·  A lump sum amount of RM2,000 is payable from the UA when the person covered embarks on the Hajj/Umrah trip, subject to completion of the 3rd contract anniversary5.


·  This benefit is payable once per contract of the person covered and the same Hajj/Umrah trip is only claimable once.

Final Benefit

Enjoy returns from your UA after the deduction of 2.5% of UA value as zakat payout (if applicable), which will be payable at the end of the contract term.

1The TPD coverage and the accidental death/TPD coverage will cease on the contract monthly anniversary immediately following the 65th birthday of the person covered.

2Waqf body is subject to change if there is other waqf body that may be appointed in future.

3Zakat body shall refer to Pusat Pungutan Zakat Majlis Agama Wilayah Persekutuan Kuala Lumpur or other zakat body that may be appointed in future.

4Nisab means the minimum amount which will be used to determine the obligation to pay zakat.

5Fidyah means a fine imposed towards a person covered for certain reasons or deliberately delaying the qada’ for Ramadan, that a person covered missed his obligation to fast during Ramadan.

6Provided the contract has been in force in the first 3 contract years.


Entry age: Based on the age of your last birthday basis

Entry age limit:

  Person covered
Minimum entry age 18 years old
Maximum entry age 60 years old

Entry age limit for contract holder: Minimum entry age is 18 years old.

This product is managed by Sun Life Malaysia Takaful Berhad (689263-M), a Takaful Operator registered with Bank Negara Malaysia under the Islamic Financial Services Act 2013.

Disclaimer: The description of the features and benefits of the takaful product herein is not a contract/certificate of family takaful and is only a brief summary of the takaful product for quick and easy reference. The complete terms and conditions of the takaful product are contained in the Contract/Certificate Document of Sun Life Malaysia Takaful Berhad (689263-M), the Takaful Operator.

CIMB Islamic Bank Berhad ("Bank") accepts no responsibility, obligation or liability for this takaful product and the services provided by the Takaful Operator. The Bank merely acts as a distributor for this takaful product. This takaful product is Sun Life Malaysia’s product and not a product of the Bank. Therefore this takaful product is not guaranteed by the Bank, its subsidiaries and/or its affiliates and the Takaful Operator shall undertake the full responsibilities, obligations and liabilities in respect of this takaful product.

Call Us Anytime
We are contactable 24/7
+603 6204 7788